Property insurance in DE covers a home and its contents. It also provides protection against liability for any injuries or property damage you or any members of your family, including household pets, cause. Property insurance also pays temporary living expenses while living away from home because of a natural disaster.

A Delaware homeowner’s insurance policy covers most types of natural disasters including fire, hurricanes, hail and lightning and other events specified in the policy. Earthquake and flood coverage typically will require separate policies. DE property insurance does not protect against problems caused by poor maintenance.

Consider these three points when choosing property insurance in DE:

1. The location of the property may require additional Delaware house insurance. For example, properties in the northern United States should have coverage for ice, sleet and snow.
2. Effective loss-control measures can control the premium for property insurance in Delaware. This can include installing an alarm system for theft.
3. The replacement of detached structures. Home insurance should allow you to rebuild your house including structures like a garage, gazebo or tool shed. Detached structures are typically covered for about 10% of the value of the house.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of Delaware homeowner insurance plans

Obtaining multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Begin your search for Delaware house insurance quotes at All Options Insurance by entering your zip code. Complete the form for your home at Insure.com to get quotes for home insurance.

Find property insurance companies in Delaware who represent major carriers

You may want to obtain homeowners insurance in Delaware through an agent who represents a major carrier in the state and can make a recommendation based on the specific needs of your situation.

I recommend: Go to Allied Insurance and enter your zip code and search radius for a list of insurance agents in your area. Liberty Mutual has the capability to locate agents in your area and is part of the top 20 property and casualty insurance groups in the United States.

Get a Delaware homeowners insurance policy from a local agent

You may wish to contact local independent DE property insurance providers rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you.

I recommend: The Davis Insurance Group, Inc., is a full-service insurance agency in Wilmington that offers personal homeowner’s insurance in addition to commercial and business insurance. The L&W Insurance Agency represents over 25 insurance companies and is one of the largest independent property insurance companies in Delaware.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Conduct a home inventory to determine the replacement cost for the contents of your home. Property insurance in Delaware will cover the contents of your house up to a specified percentage of the value of your home. You should consider off-premises coverage if you have a substantial amount of number of belongings outside of your home quickly after a disaster.
• •  Delaware property insurance typically covers expensive items such as furs, jewelry and silverware up to a fixed amount. You will need a special property endorsement to replace these items if their value exceeds the amount the primary policy covers. A property endorsement covers items that are lost or stolen.